← Help Center

The retirement path chart

Last updated November 3, 2026

At each age, the chart shows the 10th, 50th and 90th percentile of your balance across 5,000 simulated retirements. No line follows a single retirement through time.

At every age, we line up all 5,000 simulated retirements again, from the lowest balance to the highest. So the band at 70 and the band at 85 can come from different retirements. One near the top at 70 is often somewhere else entirely by 85, and none follows the edge of the band the whole way.

Read it as a spread of outcomes, not as three possible futures. The middle line is the median balance at that age, with half the simulated retirements above it and half below. The lower edge is the 10th percentile, where one in ten did worse. The upper edge is the 90th, where one in ten did better.

The dot on the left marks today's balance. The dashed vertical line marks the age you've said you'll retire.

To follow a single simulated retirement year by year, see the net worth chart below it.